Office Package

Tokio Marine's Office Package Insurance is specially designed to protect your business with a broader coverage at a competitive cost.

Section 1 - Content All Risks Cover (Basic Cover)			Maximum Limit (HK$)
On Contents			Declared Sum Insured
	(a)	any one machinery and equipment	$100,000 per item
	(b)	computer systems' records	$50,000
	(c)	deed, document, card, tape, film or transparency	$5,000 per item
	(d)	work of art or curios	10% of the Sum Insured not exceeding $100,000 per year
		- maximum limit per item	$10,000
	(e)	any one trade sample	$5,000 per item
	(f)	your or your employee's personal effects	$5,000 per employee
* Minimum premium for Section 1: HK$1,000
Free Extension under Section 1
1.	Temporary Removal		10% of the Sum Insured not exceeding $10,000
	- maximum limit per item		$5,000 per item
2.	Fire Extinguishing Expenses		$20,000
3.	Damage to Premises following theft		no sub-limit
4.	Removal of Debris		10% of the Sum Insured
5.	Architects' and Surveyors' fees		$5,000
Section 2 - Business Interruption (Free)			Maximum Limit (HK$)
Increased Cost of Working incurred in consequence of damage to property insured under Section 1			$1,000,000 with 12 months indemnity period
Free Extension under Section 2
1.	Mandatory Provident Fund (MPF) Contribution		$5,000 per year
2.	Professional Accountants' Fees		$50,000 per year
3.	Denial of Access		$1,000,000 per year
4.	Closure due to Murder, Suicide, Food & Drink Poisoning, Vermin or Pests by competent authority		$1,000,000 per year
5.	Failure of Public Utilities		$1,000,000 per year
Section 3 - Money (Free)			Maximum Limit (HK$)
1.	Loss of Money (other than crossed cheques, crossed postal orders, crossed money orders, crossed bankers' drafts and credit card sales vouchers)
	(a)	Money in Transit	$50,000
	(b)	Money on the premises during business hours	$50,000
	(c)	Money on the premises out of business hours in a locked safe or locked strong room	$50,000
	(d)	Money on the premises out of business hours in a locked drawer or locked cash register	$5,000
	(e)	Money in bank night safes and thereafter within bank premises until at banks' risk	$50,000
2.	Loss of crossed cheques, crossed postal orders, crossed money orders, crossed bankers' drafts and credit card sales vouchers		$500,000
3.	Loss of or damage to Safes and Cash Register caused by theft or attempted theft		$25,000
Section 4 - Fidelity Guarantee (Free)			Maximum Limit (HK$)
Loss of Money due to acts of fraud or dishonesty committed by employee			$20,000 per year
Section 5 - Personal Assault			Maximum Limit (HK$)
Cover accident death or permanent total disablement of you or your employees as a result of fire, explosion, theft or attempted theft at the premises
	(a)	Death within 12 months of the bodily injury	$100,000 per person
	(b)	Loss of one or more limbs	$100,000 per person
	(c)	Loss of sight of one or both eyes within 12 months of the bodily injury	$100,000 per person
Section 6 - Public Liability (Free)			Maximum Limit (HK$)
Insure against legal liability for third party bodily injury or property damage			$10,000,000 per occurrence
Free Extension under Section 6
1.	Overseas Visits		no sub-limit
2.	Tenant Liability		no sub-limit
3.	Social and Sports		no sub-limit
4.	First Aid		no sub-limit
5.	Food and Drinks Supplied		$2,000,000 per year
Section 7 - Employees' Compensation (Optional Cover)			Maximum Limit (HK$)
Insure against employer's liability to employees under the EC Ordinance and Common Law			$100,000,000 or up to the statutory limit per event
* Minimum premium for Section 7: HK$1,000 + 10.8% ECI Levy
Free Extension under Section 7
1.	Employees Inter-Sports Social and Welfare Activities
2.	Business Trip
3.	Extraordinary Weather Conditions

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

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